IndusInd Bank Legend Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
2 reward points per ₹100 spent on weekends (Sat-Sun); 1 reward point per ₹100 spent on weekdays (Mon-Fri); 1 reward point per ₹100 spent on medical, automobiles, and telecom; 0.70 reward points per ₹100 spent on utility bill payments, insurance premiums, government services, educational fees, and rental payments
Welcome Bonus
Activation benefits in the form of a Luxe gift card or vouchers from premium brands like Montblanc, Postcard, and Vouchagram (Note: This specific feature is available at certain fee points only and not with standard lifetime-free variants)
Lounge
No Lounge Access (Discontinued Mar 2025)
Our Expert Take
IndusInd Legend is a free card with a genuinely useful quirk: it earns rewards on categories most cards exclude, like rent, utility bills and insurance premiums, at a modest but real 0.70 points per ₹100. The 2X weekend bonus and 1:1 airline mile transfer add real value, though lounge access was discontinued in March 2025.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
1 point per ₹100 on weekdays, 2 on weekends
No limit
No rewards on: Fuel
Pros & Cons
Key Advantages
- 2X reward points on weekend spending
- Lifetime free, with no joining or annual fee
- Competitive low foreign currency markup handling fee of 1.8%
- 1:1 points transfer to airline miles, and points never expire
- Earns rewards on typically excluded baseline bills like rent, utility, and insurance premium payments
Limitations
- Low base reward rate for weekday spending in comparison to rival options
- Complimentary airport lounge access was discontinued as of March 2025
- Automotive fuel purchases are entirely excluded from the rewards program
- Fewer partner airline mileage transfer options compared to other premium cards
Key Perks & Spending Milestones
2 reward points accrued for every ₹100 spent on weekend retail outlays (Saturday and Sunday)
1 reward point accrued for every ₹100 spent on standard weekday retail outlays (Monday through Friday)
1 reward point accrued for every ₹100 spent on medical, automotive, and telecom transactions across both weekdays and weekends
0.70 reward points generated for every ₹100 spent on utility bills, insurance premium payments, government services, educational fees, and monthly rent payments
Decent redemption value structures where 1 Reward Point = ₹0.50 of direct Cash Credit/Statement balance
Non-cash redemptions ('Pay with rewards') yield a value up to ₹0.75 per point against the brand catalog
400 Reward Points convert to 100 KrisFlyer Miles (Singapore Airlines)
Earned reward points are structured with zero expiration limits
Buy One Get One Free movie ticket feature via BookMyShow (unlocks 1 free ticket up to ₹200 off per month + an additional ₹50 off on food and beverages)
Complimentary Priority Pass program membership card giving entry options to 600+ international airport lounges (lounge visits themselves are non-complimentary)
Reduced cross-currency foreign exchange markup handling fee set at 1.8% on international card transactions
Total Protect safety shielding protecting up to the credit limit line against fraudulent/unauthorized spends (covers transactions up to 48 hours prior to reporting loss)
Dedicated 24/7 personal Concierge Services managing pre-trip assistance, hotel/flight reservations, sports and entertainment bookings, and global flower/gift delivery lines
Auto Assist Services unlocking emergency roadside repairs, battery jump-starts, lost key rescue, emergency towing, fuel refills, and accident/medical help management
1% fuel surcharge waiver shield protection covering petrol transactions ranging between ₹500 and ₹3,000 (capped up to a maximum savings of ₹100 per month)
Spend milestone
Earn an automated milestone reward bonus of 3,000 reward points upon reaching a cumulative annual retail spend threshold of ₹5,00,000
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
N/A (Offered as a lifetime free credit card via select channels like Paisabazaar; special welcome features may activate only at specific fee points)
Interest rate
3.95% per month (47.40% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹350
- ₹10,001 to ₹25,000
- ₹800
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Eligibility Criteria
age
18 to 65 years
employment profiles
Salaried and Self-Employed Individuals
Credit score & income
Good (700+), aligned with clean credit history and baseline bank benchmarks
Frequently Asked Questions
Does IndusInd Legend Credit Card still offer lounge access?
What's the reward rate on IndusInd Legend?
Compare IndusInd Bank Legend Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndusInd Bank Legend Credit Card This Card | Free | 2 reward points per ₹100 spent on weekends (Sat-Sun); 1 reward... | No Lounge Access (Discontinued Mar 2025) | 3.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |